Reading your monthly trends
Understand the trends and changes shown on your dashboard, and what they really tell you about your finances.
Your dashboard does not just show fixed figures: it highlights trends, that is, the direction your finances are taking over time. Understanding these changes helps you react early, before a drift sets in. Here is how to read what Noryo shows you.
The indicators and their change
Each main dashboard indicator comes with a sign of how it has changed compared with the previous period. An arrow and a percentage tell you whether the value is going up or down, and by how much.
What each indicator measures
- Net balance
- The sum of your account balances, with its recent trend. A trend that falls steadily deserves your attention.
- Spending this month
- The total spent over the current month, with the change versus the previous month.
- Savings
- What you have managed to set aside, a key signal of your room for manoeuvre.
- Active subscriptions
- The number of recurring subscriptions detected, useful to spot a fixed expense that is climbing.
A rise in spending in a given month may simply reflect an exceptional purchase. Look at the trend over several months rather than a single isolated gap.
Choosing the right period
The period selector at the top of the dashboard changes the analysis window. Match it to what you are trying to understand.
| Period | Use it for |
|---|---|
| 7 days | Checking your very recent spending day by day |
| 30 days | Following the pace of the current month |
| 3 months | Spotting a trend that is taking hold |
| 1 year | Seeing seasonality and the main yearly movements |
Reading cash flow
The cash flow chart compares your money in and your money out month by month. The gap between the two bars is your saving capacity for the month. When outgoings exceed income several months in a row, that is the signal of a drift to correct.
Reading the spending breakdown
The breakdown by category shows where your money goes. Compare the share of the same category from one month to the next: a category that grows gradually often reveals a new subscription or a habit that is settling in.
Accurate trends rely on well classified transactions. If a category looks odd, recategorise the transaction, and your future analyses will be clearer.
Good reading habits
- Look first at the direction of the trend, then at its size.
- Compare equivalent periods, for example this month with the same month last year.
- Be wary of conclusions drawn from a single atypical month.
- Cross several indicators: rising savings and stable spending is a good combined sign.
Frequently asked questions about trends
Why does my trend change when I change the period?
Each period compares the chosen window with the previous window of the same length. The reference therefore changes with the period.
Does a pending transaction distort my trends?
Pending operations can temporarily shift an amount. Once confirmed by your bank, the figures adjust.
Go further by setting your figures against those of past years.